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Car insurance for 17 yr old son - UPDATE!! Good news too :-)

MrGrumpyman Avatar
5y, 9m agoPosted 5 years, 9 months ago
Trying to sort insurance on car for my son who's 17, not long passed his test. The best I've got so far is £2500 for black box limited mileage set up on a 1.0 Corsa worth £1000.

Still a lot of dosh, so any suggestions to improve that would be much apprecated :-)
MrGrumpyman Avatar
5y, 9m agoPosted 5 years, 9 months ago
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#1
Quinn tend to be pretty cheap.
#2
try adding yourself or adult with full license as an additional driver (Not main). my kids used an agent cant remember name but policy was with marker study
#4
You have done well £4500 cheapest so far for my son
#5
is this full comp? i mean if the car isnt worth much cant you insure third party fire theft?

or dont they do that these days lol?

Edited By: plumberman01 on Feb 21, 2011 18:25: n
#6
remember now it was express insurance.
1 Like #7
jeez I don't want to be reading this thread, my son is taking his test next week ! he's got a small car, which he insured as a provisional driver for the month, at a cost of £100 for the month ! I really feel for the youngsters these days.

any deals kicking about for money trees !!

Edited By: richp on Feb 21, 2011 18:20
#8
Try endsleigh if you want third party fire n theft if your a student, their prices are reasonable.

Tip try going to endsleigh via confused.com as it seems to be cheaper then going directly to endsleigh.com.
#9
the sedge
try adding yourself or adult with full license as an additional driver (Not main). my kids used an agent cant remember name but policy was with marker study

Adding a named mature driver didn't make any difference, but thanks for the suggestion of the broker/agent. Once I've harvested everyones ideas I'll try all of em to see what's best :D
#11
lufc246
You have done well £4500 cheapest so far for my son

The black box company is i-kube, £2500 is fully comp with £400 excess, so might be worth giving them a whizz http://www.i-kube.co.uk/
#12
lilraul
Try endsleigh if you want third party fire n theft if your a student, their prices are reasonable.Tip try going to endsleigh via confused.com as it seems to be cheaper then going directly to endsleigh.com.

Thanks I will :D
#13
Have spent many an hour recently filling in the same boring details on comparison sites and others that don't appear on them
For our 17 year old son, the cheapest we found on our Citroen C1 (group 1 car) was £1800 as a named driver (I am the main driver for this car). That was with Aviva.
Next cheapest was Admiral at £2500.
#14
xxhellyxx
Have spent many an hour recently filling in the same boring details on comparison sites and others that don't appear on themFor our 17 year old son, the cheapest we found on our Citroen C1 (group 1 car) was £1800 as a named driver (I am the main driver for this car). That was with Aviva. Next cheapest was Admiral at £2500.

Hi Helly, I'm with Aviva myself, what you suggest would not work with son as the main driver, which he will be. Thanks for suggestion tho :D And yes, my whole life seems to have revolved around finding the best quote for the last week or so.........I'm a bit fed up!

Edited By: MrGrumpyman on Feb 21, 2011 18:47
#15
MrGrumpyman
the sedge
try adding yourself or adult with full license as an additional driver (Not main). my kids used an agent cant remember name but policy was with marker study


Adding a named mature driver didn't make any difference, but thanks for the suggestion of the broker/agent. Once I've harvested everyones ideas I'll try all of em to see what's best :D


i'm surprised saved my daughter over 200 squid
#16
I'm surprised that adding yourself as a named driver doesn't affect the quotes - I'm a named driver for my daughter & it brings down the insurance by a lot! Do girls get a better deal?

Having Pass Plus will help (not by much, admittedly, but every penny helps).
#17
girls do get a better deal i hope lol
i got a girly next woohoo

my last girl got a £440 quote on my multipla at 19 new driver! i used our address for the quote and then hers..which put it up a couple of £100
Multiplas are not for boy racers! maybe thats the problem?
#18
My mum's insurance is with Aviva. If I want to be put on for a month it would cost me £500. (Passed last september, male). One of the very few places that would even let my folks put me on as a driver, although admittedly it is a new Polo. Needless to say I haven't driven since I passed.

Edited By: emhaslam on Feb 21, 2011 18:58
#19
plumberman01
girls do get a better deal i hope loli got a girly next woohoomy last girl got a £440 quote on my multipla at 19 new driver! i used our address for the quote and then hers..which put it up a couple of £100Multiplas are not for boy racers! maybe thats the problem?

defo!, my Daughter last year was less than half what I've been quoted for the boy
#20
cis_groupie
I'm surprised that adding yourself as a named driver doesn't affect the quotes - I'm a named driver for my daughter & it brings down the insurance by a lot! Do girls get a better deal?Having Pass Plus will help (not by much, admittedly, but every penny helps).

Girls do get a much better deal. I have tried many times to make a difference as a named driver, but so far nowt! I will try again though once I get all the replies in, thanks for your suggestion :D
#21
damn by the looks of it he should have been a girl :D still, my daughter will be the next one to start learning to drive, well at least another year to go before that "pleasure" comes up again !
2 Likes #22
Just be careful when insurance fronting..

The girls wont be laughing soon, when/ if the new motor insurance premiums/factors come into force,

I would wait a week or so if male and buying car insurance...

The price for male and female is going / maybe the same, so a 18 year old female will pay the same as a 18 boy racer male.

Young male drivers could see their premiums slashed by as much as 25% almost overnight if the decision – expected in 10 days' time – goes in their favour,

Some under-25 female drivers could be hit with premium hikes of 50% or more, which could translate into an extra £500-£600 a year. That's a heavy price to pay for equality, some might say.

Proposals for "gender equality" insurance have been around for years. But insurers have always argued that banning gender as a factor when calculating premiums would be ridiculous, bearing in mind the significant differences in the "riskiness" of men and women – women live longer, young men are more likely to have car accidents, and so on. In the end, member states were allowed to opt out of an EU prohibition, provided certain requirements were met. The issue, however, has continued to be controversial, and on 1 March the court in Luxembourg will deliver its verdict on a test case by a Belgian consumer body.

Source http://www.guardian.co.uk/money/2011/feb/19/insurance-pensions-price-equality


Edited By: RickT on Feb 21, 2011 19:16: edit
1 Like #23
well it would be cheaper to have his sex changed :p
#24
Try directline, they were cheapest when I passed. They're not on comparison sites if I remember correctly.

The other thing to try is to actually call the companies. Quite often you can get them to lower their price over the phone with a bit of haggling....
#25
interesting RickT, thanks for that.
#26
richp
interesting RickT, thanks for that.


No problem.

Thanks
banned#27
I notice that the EU are trying to stop Insurance companies from potential loading premiums for male drivers over female, claiming that risk assessments should be ignored as this is sexist.

With that in mind, maybe the EU will also make a ruling that age also cannot be used as "discrimination"!

I look forward to subsidising your sons car at some time soon in the future! X)
#28
#29
Done deal i have just insured with. The post office has been fab with my partner. He has a provisional licence and i checked that when he passes how much it would go up by and it doesn;t, btw his premium is £456 only £67 more than mine and i've been driving 6 years.

Might be worth a look.
#30
The cheapest we could find for my 18 yr old son (2 accidents within 1st year of driving each time car written off!) was 1st Central (£1400 approx 2 yrs ago), he is now with Admiral and at 20 yrs old is down to £695, as previously stated adding my husband as named driver brought down the cost PLUS adding me brought it down again!! He is on the bonus builder policy which only lasts for 10 months but gives a full years no claims at renewal.
#31
Can't complain at all, my quote was £8,800 I kid you not.
2 Likes #32
22 passed 4 months ago cheapest quotes are roughly £2k for most small cars. fml
#33
MrGrumpyman
Hi Helly, I'm with Aviva myself, what you suggest would not work with son as the main driver, which he will be. Thanks for suggestion tho :D And yes, my whole life seems to have revolved around finding the best quote for the last week or so.........I'm a bit fed up!


Have you called Aviva as you are with them and had a chat to see if they will do you a deal?
#34
Laffy42
MrGrumpyman
Hi Helly, I'm with Aviva myself, what you suggest would not work with son as the main driver, which he will be. Thanks for suggestion tho :D And yes, my whole life seems to have revolved around finding the best quote for the last week or so.........I'm a bit fed up!
Have you called Aviva as you are with them and had a chat to see if they will do you a deal?

No I've not spoken to them yet, I will tho', in a couple of days when I'm off work
#35
11doodles83
Done deal i have just insured with. The post office has been fab with my partner. He has a provisional licence and i checked that when he passes how much it would go up by and it doesn;t, btw his premium is £456 only £67 more than mine and i've been driving 6 years.Might be worth a look.

How old is your partner if you don't mind me asking? just wondering how comparable his premium might be to my 17 y old? :D
banned 1 Like #36
get a quote for THIRD PARTY ONLY

its not as though its likely to catch fire and would even be unwise to make a claim on a £1000 car if its stolen.
#37
Try fronting (I.e making yourself the main driver & adding your son as a named driver).

Illegal, yes, but the only way to insure young drivers these days.
#38
ChrisUK
Try fronting (I.e making yourself the main driver & adding your son as a named driver).

Illegal, yes, but the only way to insure young drivers these days.


No its not, when i passed my test at 20 i insured a 1.4 206 fully comp for £800. Having four years motorbike no claims did help as direct line took them, but it can be done.
1 Like #39
Have you tryed adrian flux or there sister company flux direct ive been with them the last two years best prices ive had. my first year was £950 ona mk4 golf 1.9 TDI
#40
I had to pay £140 a month to insure a 1.2 Fiesta in my first year of driving o_0

It dropped down to £79 in the second year but for some reason has gone up to £90 this year?
If I could afford the first instalment of another quote (you have to pay a 2 month deposit I believe). You would have thought 2 years no claims would have made it cheaper than 1 years but it didn't...

Oh well, it best go down next year or Im definitley going to be heading elsewhere.

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